System and method for mobile check deposit

ABSTRACT

Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for funds to be deposited into a recipient account. The mobile device configured to display a request to a user of the mobile device to provide one or more portions of a MICR line for the received check image and receive user inputs from the user specifying the one or more portions of the MICR line. The mobile device configured to transmit a message to a bank account computer system associated with the recipient account, the message including data specifying the one or more portions of the MICR line.

CROSS-REFERENCE TO RELATED APPLICATIONS AND CLAIM OF PRIORITY

This application is a continuation of U.S. application Ser. No.13/527,493, filed Jun. 19, 2012, the entire contents of which are fullyincorporated herein by reference in its entirety.

BACKGROUND

Checks are routinely used to transfer funds from an individual's orbusinesses' account to another individual or business. At the same time,most people carry some type of mobile handheld electronic device, suchas a cellular phone, smart phone, mobile handheld wireless e-maildevice, personal digital assistant, portable gaming devices, and so on.Most of these devices have a wireless internet connection. A person maywish to deposit the funds in their financial institution accounts usingthese mobile devices.

SUMMARY OF THE DISCLOSURE

One embodiment relates to a computer-implemented method that includesreceiving, from a mobile device, a check image for funds to be depositedinto a recipient account and requesting manual entry of one or moreportions of a MICR line for the check image, including highlighting theone or more portions of the MICR line. The method includes receiving theone or more manually entered portions of MICR line from the mobiledevice such that the MICR line identifies at least a routing number andan account number of a sender account that is a source of the funds tobe transferred to the recipient account and transferring the funds fromthe sender account identified by the MICR line to the recipient account.

One embodiment relates to a computer-implemented method that includesreceiving a check image for funds to be deposited into a recipientaccount designated by the user of the mobile device. The method includesrequesting the user of the mobile device to provide one or more portionsof a MICR line for the received check image, including highlighting theone or more portions of the MICR line for the user to edit and receivingthe one or more portions provided by the user from the mobile devicethat completes the MICR line to include at least a routing number and anaccount number of a sender account that is a source of the funds to betransferred into the recipient account designated by the user. Themethod includes transferring the funds from the sender accountidentified by the MICR line into the recipient account designated by theuser of the mobile device.

One embodiment relates to a computer-implemented method for a mobiledevice that includes an image capture device configured to capture acheck image to deposit funds from the account information on the checkto a recipient account. The mobile device includes a display deviceconfigured to prompt a user to provide one or more portions of a MICRline, the display device being configured to highlight the one or moreportions of the MICR line for the user to edit. An input device of themobile device may be configured to generate a keyboard that allows auser to enter characters of the MICR line. The mobile device beingconfigured to send the one or more portions of the MICR line that whencombined with the other portions of the MICR line identifies at least arouting number and an account number for a sender account that is asource of the funds to be transferred to the recipient account.

Machine-readable storage media having instructions stored therein that,when executed by a processor of a mobile device, configure the mobiledevice to capture a check image for funds to be deposited into arecipient account. The mobile device configured to display a request toa user of the mobile device to provide one or more portions of a MICRline for the received check image and receive user inputs from the userspecifying the one or more portions of the MICR line. The mobile deviceconfigured to transmit a message to a bank account computer systemassociated with the recipient account, the message including dataspecifying the one or more portions of the MICR line.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a schematic diagram of a computer-implemented paymentprocessing system according to an example embodiment.

FIG. 2 is a process implemented by the payment processing system of FIG.1 to make a check deposit using a mobile device.

FIG. 3 is an example screen that may be shown on a mobile device toinitiate a mobile check deposit.

FIG. 4a is a screen shot to capture the image of the front of the check.

FIG. 4b is a screen shot to capture the image of the back of the check.

FIG. 5 is a screen shot showing a special keyboard and the user editinga portion of an example MICR line.

FIG. 6 is a screen shot of a verification screen that includes the MICRline for mobile deposit.

DETAILED DESCRIPTION

Referring to FIG. 1, a computer-implemented check processing system 100is shown that may be used by a user to set up and utilize a mobiledevice for depositing checks. The recipient user may be a businessentity and/or an individual consumer that has one or more recipientaccounts with a financial institution. The recipient account may be abusiness or consumer account. The device can be used to transmit checkimages and data to the recipient bank computer system 120. Additionally,funds can be transferred from the source account bank to the recipientaccount bank. Alternatively, the source account and the recipientaccount can be held at a single financial institution.

Check processing system 100 may include, among other systems, a mobiledevice 110, recipient bank computer system 120, and source account bankcomputer system 130. The mobile device 110, recipient bank computersystem 120, and a source account bank computer system 130, maycommunicate through a network 160, which may include one or more of theInternet, cellular network, Wi-Fi, Wi-Max, a proprietary bankingnetwork, and so on. The mobile device 110, recipient bank computersystem 120, and source account bank computer system 130 may eachcomprise a computer system (e.g., one or more servers each with one ormore processors) configured to execute instructions, send and receivedata stored in memory, and perform other operations to implement theoperations described herein associated with logic or processes shown inFIGS. 2 through 4.

The mobile device 110 can be configured to access resources provided bya financial institution using an application or a web browser with aconnection to a network (e.g. the Internet). The financial institutionmay publish applications to the user mobile device 110 using variousdigital online marketplaces. The name or web address of the marketplacemay depend on the operating system of the mobile device 110. Theindividuals may, for example, use the mobile device 110 to performbanking tasks such as making deposits. Examples of operating systemsinclude iOS®, Windows Phone®, Symbian®, Android®, Blackberry®, WebOs®,and so on.

The mobile device 110 may allow a recipient of a check to deposit thefunds from the check writer's account to a financial institution accountowned by the recipient. The mobile device 110 may send information thatis on the check to the financial institution to receive funds from thecheck writer's account. Although in the illustrated embodiment themobile device 110 is used to deposit a check using a financialinstitution application, it will be appreciated that the mobile devicemay deposit a check using different mechanisms, for example, through anonline banking area of a web site of the banking institution that allowsa user to upload the image of check.

The mobile device 110 may be used by an individual user (e.g., abusiness owner or employee, a consumer, and so on) to deposit funds toan account. The mobile device may, for example be, a cellular phone,smart phone, mobile handheld wireless e-mail device, personal digitalassistant, portable gaming devices, tablet, laptop, camera or othersuitable device. The mobile device 110 comprises a network interfacelogic 112, display device 114, input device 115, image capture device116, and OCR system 117. Network interface logic 112 may include, forexample, program logic that connects the mobile device 110 to thenetwork 160. As described in greater detail below, for example, themobile device 110 may receive and display screens for mobile checkdeposit, special keyboard for inputting (Magnetic Ink CharacterRecognition) MICR line information, account information, transactioninstructions, and so on. In an example embodiment, such screens may beused to request authentication information (e.g. username and password).Such screens may also be used to prompt the user to provide informationregarding the amount of the funds written on the check and whichbusiness or individual has paid the recipient by a check. Such screensare presented to the user via the display device 114. The input device115 may be used to permit the user to initiate account access and tofacilitate receiving requested information from the user (e.g. MICR linesymbols, account number and/or routing number). As will be appreciated,in addition to or instead of the mobile device 110, users may also beprovided with the ability to access the check processing system 100using another type of computer (e.g., a desktop or laptop computerexecuting browser software) to perform the operations described hereinas being performed by the mobile device 110.

The display device 114 may be configured to generate images and a userinterface for the user of the mobile device 110. For example, thedisplay device 114 may prompt the user to enter the check informationregarding a check deposit transaction. The display device 114 providesvisual feedback to the user when the user attempts to use the imagecapture device 116 to capture an image of a check. In one example, thedisplay device 114 may display guides over the image generated by theimage capture device 116 to allow the user to frame the image of thecheck within a desired area of the screen. The display device 114 can belocated on an opposing side of the mobile device 110 as the imagecapture device 116. The opposing orientation of the image capture device116 compared to the display device allows a user to view the displaydevice while the image capture device 116 is facing away from the user.In other mobile devices, the display device 114 can also be located onthe same side of the mobile device 110 as the image capture device 116.Other mobile devices can include a plurality of image capture devices116.

The input device 115 can be a touch device, keyboard or special touchkeyboard that is connected to or generated by the mobile device 110 oran application on the mobile device 110. The special keyboard mayinclude characters that are found in the MICR line of a check. Numericalcharacters and other MICR line characters such as, “ ”, “ ”, “ ”, “ ”may be part of the keyboard and may be displayed on the keyboard for auser to input the unrecognized characters using the input device 115.

The image capture device 116 may comprise a camera, scanner or othersuitable image capture devices that is configured to capture the imageof a check. The image capture device 116 can include one or more lensesand an image sensor configured to record the images on the memory systemof the mobile device 110. The image capture device 116 can be integratedinto the body of the mobile device 110. The image capture device 116 maybe configured to capture an image of a written instrument such as acheck, cashier's check, bank check or other types of negotiableinstruments and the mobile device 110 transmits the image to a financialinstitution computer system. As will be appreciated, the recipient mayalso use other devices (e.g., laptop or desktop computer system, notshown) to capture and transmit an image of a check to the financialinstitution.

Upon receiving the image of the check captured by the image capturedevice 116, the mobile device 110 may request that the OCR system 117determine the location of the MICR line and the characters in the MICRline. The OCR system 117 can be an application stored on the mobiledevice 110 or the OCR system 117 can be located on the recipient bankcomputer system 117. The OCR system 117 determines the characters andtheir locations by optical character recognition algorithms. In anexample embodiment, the OCR system 117 may determine of a level ofcertainty that a character has been correctly recognized. For example,if the level of certainty is above a first threshold (e.g., 70%), thecharacter may be considered correctly recognized. If the level ofcertainty is below a first threshold (e.g., 50%), the character may beconsidered unrecognizable, and the user may be prompted to manuallyenter the character. If the level of certainty is between the first andsecond thresholds, the character may be considered uncertain, and theuser may be prompted to confirm that the character was correctlyrecognized or to manually enter a different character.

The recipient bank computer system 120 includes account processing logic122, account database 124, network interface logic 127, and an accountdirectory 129. The computer system 120 may be operated by a firstbanking entity that maintains and handles transaction processing for therecipient's accounts. The computer system 120 is configured to storeinformation regarding the recipient's accounts. By way of example,information for a specific recipient account, designated by referencenumeral 125, is shown as being stored in a database 124. As will beappreciated, database 124 may also store information regarding manyother accounts (not shown).

The recipient bank computer system 120 may receive requests to depositfunds from a mobile device 110 in the form of a check deposit request.The mobile check deposit system 140 may be part of a single or adistributed computer system that are part of the recipient bank computersystem 120. The mobile check deposit system 140 includes a MICR scanninglogic 142, request MICR logic 144, and check deposit logic 146. Thecheck deposit request may include the amount of the funds to bedeposited, the account into which the funds are to be deposited, and oneor more images of the physical check(s) that were captured by a mobiledevice 110. The mobile check deposit system 140 is configured todetermine the bank information (e.g. routing number, account number,check number) that is printed on the image of the check.

The account 125 holds funds that are transmitted to the recipient uponreceiving check deposit instructions from the recipient through themobile device 110. As described below, funds may flow into and out ofthe account 125. The recipient bank computer system 120 is connected tothe source account bank computer system 130 through the network 160.Network interface logic 127 may include, for example, program logic thatconnects the computer system 120 to the network 160.

The MICR scanning logic 142 receives an image of a check sent by themobile device 110. The MICR scanning logic 142 includes an OCR systemthat determines the numbers and characters in the MICR line of the checkthat is being deposited using the mobile device 110. When the MICRscanning logic 142 determines that each character of the MICR line isrecognizable with a high degree of accuracy (e.g. greater than 70% levelof certainty), then the scan account and routing numbers are sent to thecheck deposit logic 146. Next, the check deposit logic 146 may transmitthe amount, and the account details to the financial institution totrigger the transfer of funds to the account 125 of the recipient.However, when the MICR scanning logic 142 determines that one or morecharacters is not machine recognizable, then the MICR request logic 144may query the user to manually input the unrecognized MICR characters.The MICR request logic 144 may identify the characters that areunrecognized, and then send open spaces at the character locations thatare unrecognized to the mobile device with a message for the recipientto manually input the missing numbers or characters. In oneimplementation, the MICR request logic 144 may create a MICR line withspaces for the numbers or characters that were not machine recognized.In particular, the characters and number that were recognized may beunchangeable for the check deposit transaction and the recipient will beblocked from editing the recognized numbers or characters.

The source account computer system 130 includes account processing logic132, accounts database 134, and network interface logic 137. The bankaccount logic 139 may be operated by a second banking entity thatmaintains and handles transaction processing for source accounts. Thedatabase 134 may store information for a source account, designated byreference numeral 135 in FIG. 1. The source account 135 may be a demanddeposit account held by a user with another financial institution thatwrote a check to the recipient. Although in the illustrated embodimentthe computer systems 120 and 130 are shown as being separate and ascommunicating through a network 160, it will be appreciated that thecomputer systems 120 and 130 may also be integrated in a single paymentprocessing system (e.g., if the two financial institutions are thesame).

FIG. 2 is an example process that can be implemented by the checkprocessing system 100 of FIG. 1 to deposit a check. At block 201, therecipient bank computer system 120 receives a check image for funds tobe deposited into account 125. For example, the user may use the mobiledevice 110 to capture an image of a check and send it to the mobilecheck deposit system 140. After receiving the check image, the MICRscanning logic 142 determines whether the MICR line of the check ismachine recognizable. If one or more characters in the MICR line are notrecognized by the MICR scanning logic 142, then at block 203, the MICRrequest logic 144 requests the manual entry of one or more portions ofthe MICR line for the received check image. At block 205, the portionsof the MICR line that requires user entry may be highlighted. When theuser is prompted to enter the unrecognized characters, only thehighlighted portions need to be manually entered. In one embodiment, theuser is not permitted to edit those portions of the MICR line that werecorrectly recognized. After the manual entry, the updated MICR line isreceived at block 207. The updated MICR line at block 207 identifies atleast the routing number and the account number that is the source ofthe funds for the check deposit transaction. Next at block 209, thefunds may be received by the recipient account 125 based on the updatedMICR line.

FIG. 3 is an example screen 300 that is shown on mobile device 110 toinitiate a mobile check deposit. The user may choose from one or moreaccounts 302 to receive the funds from the check deposit. In the exampleshown, the user chooses to deposit funds to an account 302 (“ABC Account1234567890”). Accordingly, account 302 corresponds to the recipientaccount 125 described above in connection with FIG. 1. As shown inscreen 300, the depositor 304 is an optional field that may be filledout by the user. In order to deposit a check the user may enter a checkamount 306. In the example shown, the check amount is $200. The user maynavigate menu selections to upload one or more images of the check atfront image and back image menu items. When a user selects the imagecapture button 308, a screen as shown in FIG. 4a may be displayed tofacilitate capturing an image of a front of the check. When a userchooses to select the image capture button 310, a screen as shown inFIG. 4b may be displayed to facilitate capturing an image of a back ofthe check. The continue button 312 may be selectable once the userprovides input for the account 302, check amount 306, and image capturebuttons 308 and 310.

FIG. 4a is a screen shot to capture the image of the front of the check.The screen in FIG. 4a displays a rectangular guide box that is overlaidover the image that is being captured by the image capture device 116.Inside the guide box 410, instructions may be provided to the userregarding how to capture the front of the check. For example, guide box410 recites, “place check on a black background, align the check withinthe lines and tap the camera icon.” In one embodiment, the lines at theedge of the guide box 410 may be colored red until the front of thecheck is detected by the image capture device 116. Upon detecting that acheck is within the lines of the guide box 410, the color of theguidelines may change to green from red to provide visual feedback tothe user to press the camera 412 button. Pressing the camera 412 buttonactivates the digital shutter mechanism and an image is stored in thememory of the mobile device 110. Similar to FIG. 4a , FIG. 4b is ascreen shot to capture an image of the back of the check.

FIG. 5 is a screen shot showing a special keyboard presented for theuser to edit a portion of an example MICR line. In FIG. 5, it is assumedthat at least some characters were not recognizable, and the user isprompted to manually enter the missing portions of the MICR line. Aportion of the MICR line is highlighted as shown in field 502. Forexample, the mobile device shows the highlighted portions 503 a and 503b to the user. In particular, the user is requested to type in thecorrect values into fields 503 a and 503 b. Also displayed in FIG. 5 isa special keyboard that allows the user to type in various MICR linesymbols 504 and numeric digits 506. The user may choose which of thehighlighted choices to edit first by choosing next or previous buttons.

FIG. 6 is a screen shot of a verification screen that includes the MICRline as input by the user in FIG. 5 for mobile deposit. The account 302and check amount 306 may be similar to screen shot from FIG. 3. However,thumbnails of the front and back images of the check may be displayed onimage capture buttons 308 and 310. Further, FIG. 6 also allows a user toinput the first name, last name and account number of the depositor 604(i.e. check writer). Also shown in FIG. 6 is the MICR number 608 thatallows the user to view the check in their hand or an image fromcaptured image 308. Upon verifying the MICR number, the user may chooseto submit the check information using the submit button.

The embodiments of the mobile check deposit are described with referenceto drawings. The drawings illustrate certain details of specificembodiments that implement the systems and methods and programs of thepresent invention. However, describing the invention with drawingsshould not be construed as imposing on the invention any limitationsthat may be present in the drawings. The present invention contemplatesmethods, systems and program products on any machine-readable media foraccomplishing its operations. The embodiments of the present inventionmay be implemented using an existing computer processor, or by a specialpurpose computer processor incorporated for this or another purpose orby a hardwired system.

As noted above, embodiments within the scope of the present inventioninclude program products comprising machine-readable media for carryingor having machine-executable instructions or data structures storedthereon. Such machine-readable media can be any available media that canbe accessed by a general purpose or special purpose computer or othermachine with a processor. By way of example, such machine-readable mediacan comprise RAM, ROM, EPROM, EEPROM, CD-ROM or other optical diskstorage, magnetic disk storage or other magnetic storage devices, or anyother medium which can be used to carry or store desired program code inthe form of machine-executable instructions or data structures and whichcan be accessed by a general purpose or special purpose computer orother machine with a processor. Combinations of the above are alsoincluded within the scope of machine-readable media. Machine-executableinstructions comprise, for example, instructions and data which cause ageneral purpose computer, special purpose computer, or special purposeprocessing machines to perform a certain function or group of functions.

Embodiments of the present invention have been described in the generalcontext of method steps which may be implemented in one embodiment by aprogram product including machine-executable instructions, such asprogram code, for example in the form of program modules executed bymachines in networked environments. Generally, program modules includeroutines, programs, objects, components, data structures, etc. thatperform particular tasks or implement particular abstract data types.Machine-executable instructions, associated data structures, and programmodules represent examples of program code for executing steps of themethods disclosed herein. The particular sequence of such executableinstructions or associated data structures represent examples ofcorresponding acts for implementing the functions described in suchsteps.

As previously indicated, embodiments of the present invention may bepracticed in a networked environment using logical connections to one ormore remote computers having processors. Those skilled in the art willappreciate that such network computing environments may encompass manytypes of computers, including personal computers, hand-held devices,multi-processor systems, microprocessor-based or programmable consumerelectronics, network PCs, minicomputers, mainframe computers, and so on.Embodiments of the invention may also be practiced in distributedcomputing environments where tasks are performed by local and remoteprocessing devices that are linked (either by hardwired links, wirelesslinks, or by a combination of hardwired or wireless links) through acommunications network. In a distributed computing environment, programmodules may be located in both local and remote memory storage devices.

An exemplary system for implementing the overall system or portions ofthe invention might include a general purpose computing computers in theform of computers, including a processing unit, a system memory, and asystem bus that couples various system components including the systemmemory to the processing unit. The system memory may include read onlymemory (ROM) and random access memory (RAM). The computer may alsoinclude a magnetic hard disk drive for reading from and writing to amagnetic hard disk, a magnetic disk drive for reading from or writing toa removable magnetic disk, and an optical disk drive for reading from orwriting to a removable optical disk such as a CD ROM or other opticalmedia. The drives and their associated machine-readable media providenonvolatile storage of machine-executable instructions, data structures,program modules and other data for the computer. It should also be notedthat the word “terminal” as used herein is intended to encompasscomputer input and output devices. Input devices, as described herein,include a keyboard, a keypad, a mouse, joystick or other input devicesperforming a similar function. The output devices, as described herein,include a computer monitor, printer, facsimile machine, or other outputdevices performing a similar function.

It should be noted that although the diagrams herein may show a specificorder and composition of method steps, it is understood that the orderof these steps may differ from what is depicted. For example, two ormore steps may be performed concurrently or with partial concurrence.Also, some method steps that are performed as discrete steps may becombined, steps being performed as a combined step may be separated intodiscrete steps, the sequence of certain processes may be reversed orotherwise varied, and the nature or number of discrete processes may bealtered or varied. The order or sequence of any element or apparatus maybe varied or substituted according to alternative embodiments.Accordingly, all such modifications are intended to be included withinthe scope of the present invention as defined in the appended claims.Such variations will depend on the software and hardware systems chosenand on designer choice. It is understood that all such variations arewithin the scope of the invention. Likewise, software and webimplementations of the present invention could be accomplished withstandard programming techniques with rule based logic and other logic toaccomplish the various database searching steps, correlation steps,comparison steps and decision steps.

The foregoing description of embodiments of the invention has beenpresented for purposes of illustration and description. It is notintended to be exhaustive or to limit the invention to the precise formdisclosed, and modifications and variations are possible in light of theabove teachings or may be acquired from practice of the invention. Theembodiments were chosen and described in order to explain the principalsof the invention and its practical application to enable one skilled inthe art to utilize the invention in various embodiments and with variousmodifications as are suited to the particular use contemplated. Othersubstitutions, modifications, changes and omissions may be made in thedesign, operating conditions and arrangement of the embodiments withoutdeparting from the scope of the present invention as expressed in theappended claims.

What is claimed is:
 1. A computer-implemented method, comprising:receiving, from a mobile device, a check image; requesting manual entryof one or more portions of a MICR line for the check image byhighlighting the one or more portions of the MICR line comprising one ormore unrecognized characters; receiving the one or more manually enteredportions of MICR line from the mobile device such that the MICR lineidentifies a routing number or an account number of a sender account. 2.The computer-implemented method of claim 1, further comprisingdetermining one or more options for the one or more portions of the MICRline based on the check image.
 3. The computer-implemented method ofclaim 2, wherein the options comprise a suggested character.
 4. Thecomputer-implemented method of claim 3, further comprising sending theoptions to the mobile device for selection by a user of the mobiledevice.
 5. The computer-implemented method of claim 1, wherein thehighlighting of the one or more portions of the MICR line comprises atleast one of blinking, underlining, showing a blank space, or drawing abox around the one or more portions of the MICR line.
 6. Thecomputer-implemented method of claim 1, wherein manual entry furthercomprises allowing a user to choose which portion to manually enterusing a keyboard.
 7. The computer-implemented method of claim 6, whereinthe keyboard comprises an on-us symbol, a transit symbol, an amountsymbol, and a dash symbol.
 8. The computer-implemented method of claim1, wherein the requesting of manual entry of one or more portionsincludes prompting a user to enter the one or more portions in a left toright order of the one or more portions.
 9. A computer-implementedmethod, comprising: receiving, from a mobile device, a check image;requesting the user of the mobile device to provide one or more portionsof a MICR line for the received check image by highlighting the one ormore portions of the MICR line comprising one or more unrecognizedcharacters for the user to edit; receiving the one or more portionsprovided by the user from the mobile device that completes the MICR lineto include a routing number or an account.
 10. The computer-implementedmethod of claim 9, further comprising determining using an accountinformation verification computer to determine whether the accountnumber or the routing number of the MICR line from the received checkimage is unrecognizable using OCR.
 11. The computer-implemented methodof claim 9, wherein the highlighting of the one or more portions of theMICR line comprises at least one of blinking, underlining, showing ablank space, or drawing a box around the one or more unrecognizedcharacters.
 12. The computer-implemented method of claim 9, wherein theMICR line comprises Unicode characters, an account number, and a routingnumber.
 13. The computer-implemented method of claim 9, wherein therequesting the user to provide one or more portions of a MICR lineincludes changing the color from a left most portion to a right mostportion of the MICR line.
 14. The computer-implemented method of claim9, wherein the requesting the user to provide one or more portions of aMICR line comprises instructing the mobile device to generate a keyboardthat includes each character in the MICR line.
 15. Thecomputer-implemented method of claim 14, wherein the keyboard comprisesan on-us symbol, a transit symbol, an amount symbol, and a dash symbol.16. The computer-implemented method of claim 14, further comprisingallowing the user to choose which portion to manually enter using thekeyboard.
 17. The computer-implemented method of claim 9, furthercomprising generating a message to the user that the received MICR lineinformation is verified.
 18. A mobile device comprising: an imagecapture device configured to capture a check image; a display deviceconfigured to prompt a user to provide one or more portions of a MICRline, the display device being configured to highlight the one or moreportions of the MICR line comprising one or more unrecognized charactersfor the user to edit; the mobile device being configured to send the oneor more portions of the MICR line that when combined with the otherportions of the MICR line identifies a routing number or an accountnumber.
 19. The mobile device of claim 18, wherein the display device isconfigured to request the one or more portions of a MICR line in a leftto right order on the MICR line.
 20. The mobile device of claim 18,wherein the display device is configured to request the one or moreportions of a MICR line in a right to left order on the MICR line. 21.The mobile device of claim 18, wherein the display device is configuredto generate a display that allows the user to choose whichunrecognizable portion to manually enter using a keyboard.
 22. Themobile device of claim 18, wherein the highlighting of the one or moreportions of the MICR line comprises at least one of blinking,underlining, showing a blank space, or drawing a box around the one ormore unrecognized characters.
 23. Non-transitory machine-readablestorage media having instructions stored therein that, when executed bya processor of a mobile device, configure the mobile device to: capture,via an image capture device, a check image; and display, via a displaydevice, a request on the mobile device for one or more portions of aMICR line for the received check image by highlighting the one or moreportions of the MICR line comprising one or more unrecognizedcharacters.